October is usually a "windfall" month for me and this year is no exception and I am so thankful. I got my state property tax rebate check - almost $700. I will also get a payout from work for 5 vacation days that I won't use (new policy) and all of my unused sick time over 300 hours - and I have about 360 hours - so - yessssss, I'll take that, thank you.
Other than maybe a stock up of canned goods, pet food and household supplies, it will all go to savings.
I am considering opening a second checking account at my credit union because the checking pays 2% interest, while the savings pays less than 1% - way less. I NEED to not keep my "extra funds" in my main checking account - I just can't - so that would be a possible solution.
I will have to make sure I meet certain requirements with the account - 1 direct deposit per month, 1 cash withdrawal per month, etc. - I can make those things happen. I'll set up the account with my work to have just a little of my paycheck go into the second account, etc. I want that 2% interest!!
Going into winter, I'm mentally preparing for the higher utility bill and making sure DD knows I need her share on time, every month. Could I cover it? Yes. Will I cover it? NO. Even though she pays, seeing that number on the bill about sends me into a tizzy every time. They're running their heat already and that just makes my head spin.
I have been paying extra on my car payment every month and it's making the "amount due" for the next month less - but I keep paying the same amount - hoping to kick that bill to the curb in record time.
All in all, it has been a good year and "contentment" has proven to be a good "word of the year" for me. Time to start thinking about the word for 2023...hmmmmm...
2022 Challenge Contentment
Re: 2022 Challenge Contentment
"All his life he tried to be a good person. Many times, however, he failed. After all, he was only human. He wasn't a dog."
Charles M. Schultz
Charles M. Schultz
Re: 2022 Challenge Contentment
I have discovered "Miss Marple" shows on youtube - highly recommend. I read a couple of the books a few years ago and enjoyed them as well. The shows are absolutely on my list for fall entertainment.
I was looking for something to watch that was mystery based or just a little "spooky" without being the terror or gore that seems to be everywhere - something that would not keep me awake. The Miss Marple shows are perfect - highly recommend.
Extra money wise, I have some books to send to sellbackyourbook.com and a few items to take to the clothing consignment shop. Little bits add up. Once again, I will be going through two huge bags of trash left by DD and company - I can tell they are heavily laden with returnable bottles and cans - that's money off my next grocery trip.
Found a bright shiny quarter while walking Hope yesterday. I put it in my change jar. My change jar never gets too full as I do dip into it if I need something or want something - like a new large print crossword book from Dollar Tree or if I will need change for parking or whatever.
Have gone back to coloring my hair myself. Last time I did it, about 4 weeks ago, I got several compliments and someone asked where I had it done.
I am very happy with my frugal contentment journey overall. It has been a blessed year.
I was looking for something to watch that was mystery based or just a little "spooky" without being the terror or gore that seems to be everywhere - something that would not keep me awake. The Miss Marple shows are perfect - highly recommend.
Extra money wise, I have some books to send to sellbackyourbook.com and a few items to take to the clothing consignment shop. Little bits add up. Once again, I will be going through two huge bags of trash left by DD and company - I can tell they are heavily laden with returnable bottles and cans - that's money off my next grocery trip.
Found a bright shiny quarter while walking Hope yesterday. I put it in my change jar. My change jar never gets too full as I do dip into it if I need something or want something - like a new large print crossword book from Dollar Tree or if I will need change for parking or whatever.
Have gone back to coloring my hair myself. Last time I did it, about 4 weeks ago, I got several compliments and someone asked where I had it done.
I am very happy with my frugal contentment journey overall. It has been a blessed year.
"All his life he tried to be a good person. Many times, however, he failed. After all, he was only human. He wasn't a dog."
Charles M. Schultz
Charles M. Schultz
-
- Posts: 8058
- Joined: Fri Aug 28, 2015 7:21 am
Re: 2022 Challenge Contentment
If the checking account doesn’t work out or gets too complicated, you might look into an online savings account if you feel comfortable with it. I use Capital One 360 Performance Savings and they are now paying 2.20%. There are others: Marcus, American Express and a popular one I can’t recall. I transfer money electronically between my regular local checking account and Capital One. The transfer takes a day or two and there is no cost if Capital One initiates the transfer. You are doing great!HappyDaze wrote: ↑Sat Oct 08, 2022 9:46 am October is usually a "windfall" month for me and this year is no exception and I am so thankful. I got my state property tax rebate check - almost $700. I will also get a payout from work for 5 vacation days that I won't use (new policy) and all of my unused sick time over 300 hours - and I have about 360 hours - so - yessssss, I'll take that, thank you.
Other than maybe a stock up of canned goods, pet food and household supplies, it will all go to savings.
I am considering opening a second checking account at my credit union because the checking pays 2% interest, while the savings pays less than 1% - way less. I NEED to not keep my "extra funds" in my main checking account - I just can't - so that would be a possible solution.
I will have to make sure I meet certain requirements with the account - 1 direct deposit per month, 1 cash withdrawal per month, etc. - I can make those things happen. I'll set up the account with my work to have just a little of my paycheck go into the second account, etc. I want that 2% interest!!
Going into winter, I'm mentally preparing for the higher utility bill and making sure DD knows I need her share on time, every month. Could I cover it? Yes. Will I cover it? NO. Even though she pays, seeing that number on the bill about sends me into a tizzy every time. They're running their heat already and that just makes my head spin.
I have been paying extra on my car payment every month and it's making the "amount due" for the next month less - but I keep paying the same amount - hoping to kick that bill to the curb in record time.
All in all, it has been a good year and "contentment" has proven to be a good "word of the year" for me. Time to start thinking about the word for 2023...hmmmmm...
Re: 2022 Challenge Contentment
Loved the Miss. Marple shows on my android box and those I couldn't get there on my BritBox subscription.HappyDaze wrote: ↑Sun Oct 09, 2022 9:35 am I have discovered "Miss Marple" shows on youtube - highly recommend. I read a couple of the books a few years ago and enjoyed them as well. The shows are absolutely on my list for fall entertainment.
I was looking for something to watch that was mystery based or just a little "spooky" without being the terror or gore that seems to be everywhere - something that would not keep me awake. The Miss Marple shows are perfect - highly recommend.
Extra money wise, I have some books to send to sellbackyourbook.com and a few items to take to the clothing consignment shop. Little bits add up. Once again, I will be going through two huge bags of trash left by DD and company - I can tell they are heavily laden with returnable bottles and cans - that's money off my next grocery trip.
Found a bright shiny quarter while walking Hope yesterday. I put it in my change jar. My change jar never gets too full as I do dip into it if I need something or want something - like a new large print crossword book from Dollar Tree or if I will need change for parking or whatever.
Have gone back to coloring my hair myself. Last time I did it, about 4 weeks ago, I got several compliments and someone asked where I had it done.
I am very happy with my frugal contentment journey overall. It has been a blessed year.
Jackie
http://inthelandofthelivingskiesii.blogspot.ca/
http://inthelandofthelivingskiesii.blogspot.ca/
Re: 2022 Challenge Contentment
Oh Floriidacat, thank you! Capital One it is!!! Much easier than opening a second checking account.floridacatlover wrote: ↑Sun Oct 09, 2022 10:03 am If the checking account doesn’t work out or gets too complicated, you might look into an online savings account if you feel comfortable with it. I use Capital One 360 Performance Savings and they are now paying 2.20%. There are others: Marcus, American Express and a popular one I can’t recall. I transfer money electronically between my regular local checking account and Capital One. The transfer takes a day or two and there is no cost if Capital One initiates the transfer. You are doing great!
"All his life he tried to be a good person. Many times, however, he failed. After all, he was only human. He wasn't a dog."
Charles M. Schultz
Charles M. Schultz
Re: 2022 Challenge Contentment
It was SO nice to discover them! Nice to watch something suspenseful and fitting for the season without it being vulgar and terrifying. I am hooked!
"All his life he tried to be a good person. Many times, however, he failed. After all, he was only human. He wasn't a dog."
Charles M. Schultz
Charles M. Schultz